This is how your vehicle financing works with us
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This is how your vehicle financing works with us

Mercedes-Benz Mobility supports you in fulfilling your dream of owning your own car - with loans at competitive conditions. You have a say in the amount of the down payment and the duration of the contract.

Compared to a direct purchase, car financing ties up far less capital because you don't have to pay the full amount at once. This means that you remain financially flexible and still own a vehicle with the three-pointed star, which is completely yours when you pay the last instalment.

With constant monthly payments and a fixed annual interest rate, you can plan for the future well in advance. You can also define the amount of the down payment and the contract term. In addition to new vehicles, Mercedes-Benz Mobility also finances your next used car. You practically drive a Mercedes at the level of a new car and pay off your used car loan in constant installments, just like with new car financing. Mercedes-Benz Mobility offers private and commercial customers flexible financing options for new or used Mercedes-Benz cars and vans.

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Close integration with Mercedes-Benz vehicle production

Mercedes-Benz Mobility is closely interlinked with vehicle production and has a partner network of special-body manufacturers. For example, commercial customers can book complete financing packages with us for special vehicles that have already been converted, for example for special government assignments or for vehicle rental.

Depending on your region and the vehicle segment, you can choose from different forms of financing for your new or used car. The classic ones include standard financing, final instalment financing and three-way financing.

Standard financing

With standard financing, you commit to a flexible down payment at the beginning. On this basis, the amount of your monthly instalments over the entire term is determined. Thanks to a fixed interest rate and the constant instalments, your car financing is transparent and plannable. Another plus: With standard financing, there is no mileage limit. You can drive your Mercedes-Benz as much as you want.

Balloon-payment financing

If you opt for final instalment financing, you will benefit from comparatively low monthly rates. Due to the higher final instalment, the monthly rates are lower than with standard financing. Take advantage of the option of a variable down payment to steer the amount of your monthly instalments in the desired direction. At the end of the contract period, you have the choice between a final one-off payment and follow-up financing of the final rate - depending on liquidity and your individual planning.

Three-way financing

Choose three-way financing if you are not yet sure whether you want to keep your Mercedes-Benz at the end of the contract period. With this form of financing, you can decide at the end of the contract whether you want to purchase your vehicle with repayment of the final instalment, continue to finance the final instalment or return your vehicle to your dealer at the guaranteed residual value.

Benefits of vehicle financing

Liquidity

After real estate, a car is one of the largest investments made by private households. Only very few people have enough assets to buy a new or used car in cash. Financing allows you to own your dream car immediately, but pay off the purchase price over a longer period of time in the future. This allows you to hold back your cash assets as reserves for other investments or emergencies.

Transparency

Loan amount, down payment, term, APR: When it comes to vehicle financing, there are four parameters that ultimately determine the amount of the monthly payment. Together with your car bank, you will choose the right form of financing for you with the right conditions. A fixed interest rate and constant instalments make the costs transparent.

Planning security

You decide on the amount of the down payment, the contract term and finally the monthly instalments at the beginning of the financing contract, so that you are aware of your future financial leeway from the outset. In this way, other future investments can be better planned or additional reserves can be built up.

Additional services

Mercedes-Benz Mobility offers suitable mobility packages for financing. In addition to your car financing, you can take advantage of other services, such as car insurance, service packages such as maintenance and repair, or warranty packages. The additional service protects the value of the vehicle and is added to the monthly financing instalments, so that you pay an all-inclusive rate. With our additional services, you can also increase your planning security.

Flexibility

With financing, you remain flexible and can react to changing life circumstances. If, for example, you opt for three-way financing, it is up to you whether you purchase the vehicle after the term by repaying or refinancing the final instalment or returning the vehicle to the dealer as with a leasing contract. Standard financing also has advantages, so you don't have to commit to a mileage at the beginning of the contract period. You can drive your Mercedes as much as you want.

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